Advice Pool - Insurance

Medical insurance is just flat outrageous these days. I'm not really talking so much about the doctors visits because, if

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

you think about it, just to go and visit the doctor for something simple isn't really all that expensive, depending on wh

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

ere you live.

In most cases large metropolitan areas have a big advantage over smaller rural towns because of the competi

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

tion between doctors. Everyone wants your business and they're willing to sacrifice a bit in order to get it, however, yo

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

u still get a better deal from a small town country doctor. A lot of these guys just appreciate the business. I know thi

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

is true because we recently moved from the Phoenix, Arizona area to a small town in Oklahoma where we can now see a docto

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

r for only $30 per visit. However, doctor visits are not the primary reason for having health insurance.

The main purpos

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

e of health insurance is to make certain that you're covered in case of a hospital visit or stay. The cost of a hospital

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

stay for any amount of time will just about bankrupt most families without insurance. Some costs exceed $1000 per day and

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

that's being generous. Also, that could be just the cost of the room alone and doesn't include ambulance, physician cost

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

, medications, etc. and on, and on. Without some type of medical insurance you are just about dead in the water if you ha

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ve to go for a lengthy hospital stay.

You can usually save a substantial amount of money on health insurance by just carr

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ying a higher deductible. I know, I know. That means you have to pay more out of pocket when you see the doctor, but if y

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ou think about it this really isn't true, it only seems that way. How many times per year to you actually visit the docto

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

r? Once, twice? That's actually about the average per person to visit the doctor. Most people go once for an annual che

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

kup and then they'll actually get sick about one-time per year and go and get a prescription for cold medicine or whatever

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

the case may be. This being the case, this really shouldn't cost you all that much out of pocket as long as you're prepa

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

red for it.

The moral of the story here? Don't be afraid to carry a higher deductible, just make sure that you have a fe

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

w dollars put away to see the doctor a couple times a year. You should easily be able to put that way because of the amou

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

nt of money that you're saving each month on your premiums. Check it out for yourself. I think you'll see that I'm right

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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